Need a Cash Loan? Apply Online with Atlas Finance
Get the support you need – fast. With Atlas Finance, you can borrow from R500 to R20,000 and choose a repayment period that suits your budget, from 1 to 9 months.
Applying for a cash loan is simple and secure. Our 3-step online process takes just minutes – no queues, no paperwork, no waiting on the phone. Fill in your details, upload your documents, and receive your money directly in your account.
How to Apply Online for a Cash Loan
Step 1: Complete the Atlas Finance online application form.
Step 2: Upload a copy of your ID or passport, your most recent payslip, and a 3-month bank statement.
Step 3: Once your application is approved, we’ll deposit the money straight into your bank account.
Repayments are made via debit order on your chosen repayment date – no fuss, no queues, no paperwork.
How Can We Help?
Looking for a fast and reliable way to borrow money? Atlas Finance offers flexible loan options to help you cover urgent expenses – whether you need a small short-term loan or a more tailored amount based on your income. With a quick online process and no hidden fees, we make borrowing simple.
We provide access to funds for up to a month, with clear upfront costs and no unpleasant surprises. You’ll always know your repayment amount before applying. Just make sure you’re comfortable with the repayment terms before confirming your application.
Our online application is quick, hassle-free, and secure. There’s no need to visit a branch or deal with paperwork – just apply from your phone or computer, and get the money you need sent straight to your bank account. You can choose how much you need and how long you’d like to repay it, with options as short as 3 months.
It’s all part of our goal to make responsible borrowing easier. Get started today with Atlas Finance – and let us help you take care of what matters.
Why Choose Atlas Finance Cash Loans?
Flexibility
Choose the loan amount and repayment period that best fits your budget.
Reliability
We’re a certified and registered financial service provider committed to your financial well-being.
No Hidden Costs
What you see is what you pay – all fees and charges are clearly outlined before you apply.
Loan Terms at a Glance
Cash Loans from Atlas Finance
Need a short-term financial boost? With Atlas Finance, you can borrow from R500 to R20,000 and choose a repayment term that suits you – anywhere from 61 to 270 days.
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Interest rates: From 36% APR to a maximum of 60% APR
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Credit life cover is included for your peace of mind
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Clear, transparent fees. No hidden charges
How Much Interest Will I Pay?
All fees and charges are shared upfront before you accept the loan. What you see is exactly what you pay – no surprises.
Fees & Interest Breakdown
Interest
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5% per month on the total deferred amount
(includes loan amount, initiation fee and VAT) -
After your first loan of the calendar year, any additional loans will be charged at a reduced rate of 3% per month
Fees
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Service Fee: R60 per month + VAT
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Initiation Fee: R165 on the first R1,000, plus 10% on any amount above that
(Capped at R1,050 + 15% VAT)
Credit Life Cover
You’ll be charged R5.50 per R1,000 borrowed to cover your loan amount in the event of:
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Death
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Retrenchment
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Disability (including temporary disability)
This insurance ensures your loan is protected should anything unexpected happen.
Representative Cash Loan Example
Take a loan of R2,500 for 90 days
Interest & Fees: R945.46
One repayment of R3,445.46
Representative 60% APR*
Fees & Interest are based on regulations set out in Chapter 5 of the NCA no.34 of 2005.
Atlas Finance promotes responsible lending.
Loans are granted based on your affordability and credit score.
The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.
How to Apply for a Loan?
Step One: Fill in the application form.
Step Two: Submit proof of ID / passport, latest payslip & 3 months bank statement.
Step Three: Once the loan is approved, the money will be paid directly to you.
We will collect a debit order from your specified bank account on the agreed repayment date.
How we can help?
Looking for an online cash loan… either a maximum affordable loan (where you apply for the largest amount possible relative to your salary) or a specific affordable loan (where you apply for an amount that you need)? Some online cash loans are paid off when your next payday comes around, others are over a longer period. Whatever your financial needs, Atlas Finance is the right place to start applying.
Enjoy our simple solution to applying for a personal loan – drag the sliders to your online cash loan specifications. Once satisfied, fill in your personal details, we will run a quick credit check, and then have your cash loan sent to your account.
We provide instant payday loans for up to a month, with no catches or hidden costs because we want you to live comfortably and pay your debts. You will always know upfront what the cost of your cash loan will be, including the annual percentage rate of between 36% to 60%, so you can be sure of the loan cost before applying. Always consider your ability to repay your short term loan before applying as non-payment will have serious consequences.
This easy online service is available in a few clicks – don’t wait in queues, fill out paperwork or sit for hours on the phone. With the flexibility of choice when it comes to cash loans, applicant’s can borrow exactly how much they need and the time period they need before they can pay it back.
Short Term Loans
Take a loan from R500 to R20,000 with a 61 to 180 day repayment term.
Interest from 36% APR* to maximum 60% APR*.
Customer protection insurance for peace of mind.
How much interest will I repay?
The online loan and all fees, costs and charges are reflected upon application.
What you see, is what you get. No hidden costs.
Fee & Interest Breakdown Summary
Service fee R60.00 per month plus 15% VAT
Initiation fee 15% on first R1000.00, +10% on any value above R1000.00, to a max of R1000.00, plus 15% VAT
Credit life: 0.55% of total loan amount
Interest rate 0.17% per day up to a max 5% per month
APR* ranges from 36% APR* to maximum 60% APR*
Representative Example
Take a loan of R2,500 for 90 days
Interest & Fees: R945.46
One repayment of R3,445.46
Representative 60% APR*
Fees & Interest are based on regulations set out in Chapter 5 of the NCA no.34 of 2005.
Atlas Finance promotes responsible lending.
Loans are granted based on your affordability and credit score.
The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.
Cash Loans & Online Loan Application FAQs
Explore our frequently asked questions about our cash loan offerings and more financial solutions from Atlas Finance.
To apply for cash loans, please visit your nearest branch or contact our Customer Care Centre on 0800 204 679 or start an online loan application here.
Please remember to bring your:
- Original ID document OR Passport & Work Permit (for Foreigners)
- 3 months’ bank statements
- Latest payslip
To assess your affordability and credit score, you will need to bring the following 3 documents to your nearest Atlas Finance branch:
- Original ID document OR Passport & Work Permit (for Foreigners)
- 3 months’ bank statements
- Latest payslip
- Visit your nearest Atlas Finance branch with your:
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- Original ID document OR Passport & Work Permit (for Foreigners)
- 3 months’ bank statements
- Latest payslip
- The friendly consultants will evaluate your credit score and affordability
- Your employment will be confirmed
- Your in-person or online loan application will be either approved or declined
- If approved, your cash loan amount will be deposited onto a NuCard
- Ensure that your monthly/weekly payments are made on time to protect your credit score
All Atlas Finance branches operate during the following working days:
- Monday to Friday: 8:00 am to 4:30 pm
- Saturday & Public Holidays: 8:00 am to 13:00 pm
- Sunday: Closed
Please use the branch locator to find your nearest branch.
If you have a temporary ID, you may bring your driver’s licence accompanied by the temporary ID to an Atlas Finance branch to apply for a cash loan.
You can apply for a cash loan without an ID document, however, you will need:
- Your driver’s licence AND
- A valid temporary ID
To protect our clients, Atlas Finance does NOT pay out loans in cash. Instead, we pay out our loan amounts to a Masturcard NuCard. Clients can then use their Mastercard NuCard to withdraw cash from any ATM and respected retailer.
Yes, we do credit checks. We would like to ensure that we are lending to you responsibly to protect your financial health.
At Atlas Finance, we understand that sometimes unexpected expenses come up when funds are low. That’s why we work with clients with a wide range of credit scores to provide short-term financing solutions.
Credit scores are one of many factors used to determine if a loan application is successful or not, such as loan amount, payback period, etc. A responsible lender looks at all of these factors to ensure you maintain financial health.
When it comes to applying for a loan – it is not about the minimum credit score, it is about your affordability. We assess both your credit score and affordability and then determine whether you qualify for a loan or not.
If you are uncertain of anything, we recommend you visit your nearest branch so that we can assess your affordability and credit score (among other financial health factors) to see if we can assist you.
As everyone’s finances are unique, we recommend that you visit your nearest branch so that we can assess your affordability and credit score. Responsible lending for your financial well-being is our top priority.
Unfortunately, we cannot issue loans to people under debt review. However, we can help you to take a step towards better financial well-being. Call one of our skilled clearance specialists on 082 879 8474 or email projectsupport@atcorp.co.za today.
Yes, we do offer commission through our Refer2Earn programme. You can earn 7.5% of the total new client’s cash loan value when referring a NEW client who successfully takes cash loans. For example, if you refer a friend or family member to Atlas Finance and they successfully take a loan out for R5000, you can get paid R375 directly to you. Everybody wins!
Unfortunately, we cannot issue loans using a SASSA grant. We require a payslip and 3 months’ bank statements to process a loan application.
Unfortunately, we do not offer vehicle loans or business loans.
We offer personal loans up to R20,000 and more financial solutions, which can be seen here.
Yes, we offer Domestic Worker Loans up to R4000 with up to 4 months to pay. You will need the following to apply:
- A bank account (active for 3 months or more)
- 3 months’ bank statements
- A copy of your South African ID, Passport or Work Permit
We will NEVER ask for an upfront fee. That is illegal. There are many scammers out there, with some pretending to be Atlas Finance and other registered financial service providers.
Please visit one of our branches for a secure and legitimate loan.
For more information, please call our customer care line on 0800 204 679 or submit the contact form above, and we’ll call you back.
We can happily assist you with your online loan application! We will need a copy of your original ID document, 3 months’ bank statements, and your latest payslip.
Please send these 3 documents to info@atcorp.co.za, and we will submit your cash loan application for you.
